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Old 09-10-2016, 10:02 AM   #1
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Another extended warranty question

We are picking up our 1st ever RV on Monday (Winnebago vista) and I have already decided that I want an extended warranty but my head is swimming trying to absorb all the different info I have read the last few weeks on RV forums. Are there any companies that are better than others and companies I should absolutely stay away from? How does a breakdown work? Do I pay and then get reimbursed or does the repair facility get paid from the warranty folks?
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Old 09-10-2016, 10:11 AM   #2
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Don't be shocked if the dealer offers you one while you are signing papers. Then you will have one more head-spinner to deal with.
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Old 09-10-2016, 12:06 PM   #3
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Don't be shocked if the dealer offers you one while you are signing papers. Then you will have one more head-spinner to deal with.
I'm sure of that which is why I am trying to do some homework ahead of Monday.
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Old 09-10-2016, 12:42 PM   #4
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Is this a new coach, or used coach?

New, you don't need to be soo anxious to sign and shouldn't, since I assume Winn has at least a 1 year warranty on everything, and the chassis xx years?

If used, based on the year, it might have some remaining warranty already, and don't want to pay unnecessarily to start the clock on another warranty.

Older? I'd ask the dealership for a copy of the warranties they are offering and you'll think about it. You can then compare against other warranties and prices....and if you are then comfortable with all of the hidden T&C's and price, you sign it, attach a check, and send in to dealer.

When I was buying my coach, the dealership was doing a soft sell on a warranty. When I asked for a copy of the T&C's so I could evaluate exactly was included and excluded.......they conveniently had just run out and didn't have any available. REALLY?
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Old 09-10-2016, 12:49 PM   #5
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It is used with 8900 miles on it. The chassis has quite a bit of warranty left on it since it is a 2015 but the house doesn't have anything left on it.
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Old 09-10-2016, 01:01 PM   #6
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Pros and cons of extended warranty as I am sure you have read. Dealers push them because they are a big money maker for them. Consider this as an alternative to a up front long term commitment. Buy a 12 month warranty as a mitigation against unknown and latent defects. Then at the 12 month point, and having experience/history with the RV, then decide if to continue, change to another warranty, or forgo warranty altogether.
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Old 09-10-2016, 02:04 PM   #7
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You need to understand you are NOT buying a extended warranty. You are buying a SERVICE CONTRACT that covers certain parts.

IF possible buy a contract that lists what is not covered. If it is not listed it is covered.

The contract that lists what is covered is way too easy for a company to try and not cover a item.

Also, what does it say about mfg. defects. Like the recall on some frig's, is that a way for them to get out of covering it.

The above from a retired guy with 35 years of experience explaining to customers that THOUGHT they had a EXTENDED WARRANTY when instead they had a SERVICE CONTRACT and everything was NOT covered.

What you want to try and buy is a Exclusionary RV type policy. Like mentioned here. Poke around, they have one with wording that explains what a contract would cover. Plain and simple.
RV Extended Warranty Coverage, RV Warranty Specialists - Wholesale Warranties for RV Repair

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Old 09-10-2016, 04:44 PM   #8
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A number of people myself included have extended warranties thru Wholesale Warranties. They are an independent agency that deals thru several different providers and are great to deal with.
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Old 09-10-2016, 05:11 PM   #9
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Wholesale Warranties is an excellent company in itself, but the underwriters they sell for are mostly interested in HOW NOT to pay a claim. They did not pay my refrigerator claim for a ammonia leak in a weld because the coils had some surface rust. They would not pay for a leaking suspension air spring even though it clearly states in the policy that they are fully covered. Mine had two leaks in the bag and they said 2 leaks could not occur the same time. One leak was the original leak at the mounting plate flange and the secondary leak occurred because the first leak would not allow the bag to fully inflate and let it rub against a nearby bracket. As long as your claims are small, they will usually pay, but big dollar claims....well they will find some way not to pay. Once they say "no", then they will refuse to talk to you. 'Just my two cents worth from actual experience.
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Old 09-10-2016, 06:13 PM   #10
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Who ever you get one from, remember the price is negotiable.

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Old 09-10-2016, 06:22 PM   #11
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A number of people myself included have extended warranties thru Wholesale Warranties. They are an independent agency that deals thru several different providers and are great to deal with.
As was posted above, they are not "warranties" they are service contracts by Federal Law.
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Old 09-11-2016, 05:38 AM   #12
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Jerry You must have a different company thru them then I have. I had our Residental fridge die on a Sunday and could not get only an answering machine. Contacted Sears for the repairs on Sunday. Sears was our diagnosed the problem, ordered parts. Later Monday my warranty provider called and I explained the reason for not getting prior approval for the repairs and they said no problem, sent us the bill we'll reimburse you and they did no problem, even thoug I did not have prior approval for the repair.
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Old 09-11-2016, 08:44 AM   #13
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D Lindy,
The underwriter for my extended warranty (policy/insurance, etc.) was Allegiance CSI (actually National Administration Services Co, LLC) who no longer writes policies for Wholesale Warranties. From conversations I had with WW, there were a lot of complaints and Allegiance decided they only wanted to only sell through RV dealers. I guess a dealer becomes a 'buffer' between them and the customer.
Who was your underwriter? I am looking for a new plan as mine expired in July.
Jerry
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Old 09-11-2016, 07:39 PM   #14
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Just purchased one

FWIW, I just purchased a 4-yr 48,000 mi service contract, Consequential Damages rider, Preferred Plan, through Coach-Net on our new to us 2004 40' Newmar Dutch Star DP. Cost was $6,038, up front payment. Mileage on the MH is 64k. Not sure if it figured in the price, but I demonstrated a history of service work from previous owner records and had oil analysis done. Stung a bit to write the check, but reviewing in previous owners' records, I noted he dished out $4,700 for a turbo rebuild and $1,100 for genset radiator + related, both in past two years. Also, in past two years 6 new tires (GY G670's) $4,300 and new chassis (2) and coach (4) batteries. Of course, the service contract will not cover tires and batteries, but something like a turbo going out would be a major wallet hickey. Think about how many complex mechanical and electrical systems are on/in a MH. Like any insurance policy, sometimes you will get screwed, but mostly you will be covered for what is specified in the contract. Still, the peace of mind is worth the $, IMHO. In fact, I will be happy if I never have to file a claim. Now, can I talk to you about life insurance . . . .
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